Search form

Dependent Life Insurance

The Dependent Plan is available for life insurance coverage of your spouse or other qualified adult and any eligible, unmarried children. You must be enrolled in the University Plan in order to enroll in the Dependent Plan. You, the university employee, are automatically the beneficiary for the Dependent Plan. No person may be insured as a dependent of more than one U-M employee.

Dependent Plan Coverage Options

For coverage of your spouse or other qualified adult:

$10,000

$25,000

$50,000

$100,000

For your dependent children (covers all children in the household age 15 days through the end of the month they turn age 26):

$2,000 per child

$5,000 per child

Enrollment

Enrollment is not automatic for the Dependent Plan. You must be enrolled in the University Plan for your dependents to be eligible for coverage under the Dependent Plan.

Enroll by completing the application form and returning it to SSC Benefits Transactions.

Your Spouse or Other Qualified Adult

Your spouse or other qualified adult can enroll in the Dependent Plan at any time. He or she will need to provide a satisfactory health statement. MetLife will send an email with instructions on how to complete the health statement. Coverage will go into effect when (1) the Dependent Plan application is received in the Benefits Office and (2) the health statement has been received and approved by MetLife.

Your Dependent Children

No health statement is required to enroll children in the Dependent Plan. Children may be enrolled in the Dependent Plan at any time. No person may be insured as a dependent of more than one employee.

Dependent Plan coverage for newborns will go into effect at age 15 days or when the Dependent Plan application is received, whichever is later. Coverage ends at the end of the month the child turns age 26.

To be eligible for coverage as dependent children under the Dependent Plan, the children must be unmarried and supported by you, that is, you must claim the children as dependents when filing taxes.

Dependent Plan Rates

If you are paid monthly, your premiums will be deducted from your monthly paycheck; if you are paid bi-weekly, your premiums will be deducted from your first and second paycheck of the month. Premiums are deducted on an after-tax basis.

Covered Dependent

Coverage Amount

Cost Per Month

Spouse/OQA

$10,000

$1.56

Spouse/OQA

$25,000

$3.90

Spouse/OQA

$50,000

$7.80

Spouse/OQA

$100,000

$15.60

Children

$2,000 per child

$0.10

Children

$5,000 per child

$0.26

The cost of coverage for children covers all eligible children in the household.

Beneficiary

You do not need to designate a beneficiary for the Dependent Plan. You are automatically the beneficiary as the university employee. If both you and your dependent(s) die, life insurance will be payable to your survivors/estate in the following order: spouse/OQA, children, parents, siblings, estate.

Continuation of Coverage

If your dependent has been enrolled in the Dependent Life Insurance plan, you have the option to convert life insurance for your dependent when coverage ends.

Questions About Your Benefits?

Limitations

The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend, or terminate them. Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Benefits Office reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern.